Home > First Southern National Bank > Performance and Condition Ratios
First Southern National Bank, Performance and Condition Ratios
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 1,803 |
| Cost of funding earning assets | 1.6573% | 558 |
| Net interest margin | 3.6679% | 4,425 |
| Noninterest income to average assets | 0.0948% | 6,854 |
| Noninterest expense to average assets | 3.4606% | 2,092 |
| Loan and lease loss provision to assets | 2.1058% | 283 |
| Net operating income to assets | -2.5001% | 7,265 |
| Return on assets (ROA) | -2.1362% | 7,222 |
| Pretax return on assets | -2.1327% | 7,190 |
| Return on Equity (ROE) | -73.6538% | 7,410 |
| Retained earnings to average equity (ytd only) | -73.6538% | 7,407 |
| Net charge-offs to loans | 2.7726% | 397 |
| Credit loss provision to net charge-offs | 107.8490% | 2,852 |
| Earnings coverage of net charge-offs (x) | -0.2001% | 5,404 |
| Efficiency ratio | 112.7287% | 431 |
| Assets per employee ($millions) | 5.1437% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5527% | 140 |
| Loan loss allowance to noncurrent loans | 32.2822% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 17.7486% | 90 |
| Noncurrent loans to loans | 17.2005% | 95 |
| Net loans and leases to total assets | 63.3667% | 3,607 |
| Net loans and leases to deposits | 65.3216% | 5,097 |
| Net loans and leases to core deposits | 81.0766% | 3,643 |
| Total domestic deposits to total assets | 97.0073% | 19 |
| Equity capital to assets | 2.8469% | 7,438 |
| Core capital (leverage) ratio | 2.7105% | 7,436 |
| Tier 1 risk-based capital ratio | 4.0724% | 7,429 |
| Total risk-based capital ratio | 5.3739% | 7,429 |
| Memoranda: | ||
| Average total assets | $170,954,000 | 3,516 |
| Average earning assets | $138,662,670 | 3,811 |
| Average equity | $4,958,330 | 6,550 |
| Average total loans | $120,392,330 | 3,220 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 2,741 |
| Cost of funding earning assets | 1.7454% | 460 |
| Net interest margin | 3.3324% | 5,665 |
| Noninterest income to average assets | -0.2963% | 7,456 |
| Noninterest expense to average assets | 4.0154% | 1,015 |
| Loan and lease loss provision to assets | 4.1348% | 99 |
| Net operating income to assets | -5.6922% | 7,501 |
| Return on assets (ROA) | -5.5315% | 7,501 |
| Pretax return on assets | -5.5315% | 7,496 |
| Return on Equity (ROE) | -189.0666% | 7,536 |
| Retained earnings to average equity (ytd only) | -189.0666% | 7,532 |
| Net charge-offs to loans | 4.6390% | 175 |
| Credit loss provision to net charge-offs | 123.7964% | 2,224 |
| Earnings coverage of net charge-offs (x) | -0.4663% | 4,780 |
| Efficiency ratio | 163.3645% | 114 |
| Assets per employee ($millions) | 4.5957% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2400% | 166 |
| Loan loss allowance to noncurrent loans | 32.4522% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 17.7357% | 93 |
| Noncurrent loans to loans | 16.1467% | 120 |
| Net loans and leases to total assets | 65.7253% | 3,085 |
| Net loans and leases to deposits | 67.4118% | 4,760 |
| Net loans and leases to core deposits | 83.3424% | 3,250 |
| Total domestic deposits to total assets | 97.4982% | 10 |
| Equity capital to assets | 2.3294% | 7,510 |
| Core capital (leverage) ratio | 2.2140% | 7,517 |
| Tier 1 risk-based capital ratio | 3.4081% | 7,508 |
| Total risk-based capital ratio | 4.7088% | 7,506 |
| Memoranda: | ||
| Average total assets | $174,131,500 | 3,482 |
| Average earning assets | $143,920,000 | 3,759 |
| Average equity | $5,094,500 | 6,525 |
| Average total loans | $125,372,000 | 3,145 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 4,292 |
| Cost of funding earning assets | 2.1962% | 308 |
| Net interest margin | 2.8613% | 6,955 |
| Noninterest income to average assets | -0.7604% | 7,598 |
| Noninterest expense to average assets | 2.4888% | 5,847 |
| Loan and lease loss provision to assets | 5.4941% | 55 |
| Net operating income to assets | -6.9004% | 7,602 |
| Return on assets (ROA) | -6.7135% | 7,602 |
| Pretax return on assets | -6.1577% | 7,586 |
| Return on Equity (ROE) | -88.2212% | 7,575 |
| Retained earnings to average equity (ytd only) | -88.2212% | 7,575 |
| Net charge-offs to loans | 6.9952% | 54 |
| Credit loss provision to net charge-offs | 111.7077% | 3,922 |
| Earnings coverage of net charge-offs (x) | -0.1730% | 6,272 |
| Efficiency ratio | 151.9258% | 205 |
| Assets per employee ($millions) | 4.3407% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6298% | 251 |
| Loan loss allowance to noncurrent loans | 31.4238% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 16.5141% | 127 |
| Noncurrent loans to loans | 14.7334% | 172 |
| Net loans and leases to total assets | 71.1963% | 2,260 |
| Net loans and leases to deposits | 74.0016% | 4,189 |
| Net loans and leases to core deposits | 108.5179% | 1,013 |
| Total domestic deposits to total assets | 96.2091% | 35 |
| Equity capital to assets | 3.5254% | 7,532 |
| Core capital (leverage) ratio | 3.2685% | 7,539 |
| Tier 1 risk-based capital ratio | 4.7005% | 7,538 |
| Total risk-based capital ratio | 5.9969% | 7,540 |
| Memoranda: | ||
| Average total assets | $213,958,400 | 2,937 |
| Average earning assets | $179,356,600 | 3,132 |
| Average equity | $16,281,800 | 3,707 |
| Average total loans | $150,431,000 | 2,768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 4,305 |
| Cost of funding earning assets | 2.2722% | 303 |
| Net interest margin | 2.8293% | 7,097 |
| Noninterest income to average assets | -0.5344% | 7,683 |
| Noninterest expense to average assets | 2.2614% | 6,433 |
| Loan and lease loss provision to assets | 2.8268% | 328 |
| Net operating income to assets | -2.9116% | 7,433 |
| Return on assets (ROA) | -2.7054% | 7,412 |
| Pretax return on assets | -3.0178% | 7,424 |
| Return on Equity (ROE) | -32.2026% | 7,417 |
| Retained earnings to average equity (ytd only) | -32.2026% | 7,411 |
| Net charge-offs to loans | 3.8825% | 322 |
| Credit loss provision to net charge-offs | 104.8102% | 4,088 |
| Earnings coverage of net charge-offs (x) | -0.1558% | 6,150 |
| Efficiency ratio | 122.8184% | 364 |
| Assets per employee ($millions) | 4.9208% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5105% | 534 |
| Loan loss allowance to noncurrent loans | 26.4787% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 13.9999% | 191 |
| Noncurrent loans to loans | 13.2579% | 221 |
| Net loans and leases to total assets | 66.3231% | 3,615 |
| Net loans and leases to deposits | 72.0984% | 4,827 |
| Net loans and leases to core deposits | 103.2729% | 1,546 |
| Total domestic deposits to total assets | 91.9898% | 195 |
| Equity capital to assets | 7.7780% | 6,945 |
| Core capital (leverage) ratio | 7.0332% | 7,145 |
| Tier 1 risk-based capital ratio | 10.0394% | 7,045 |
| Total risk-based capital ratio | 11.3155% | 7,009 |
| Memoranda: | ||
| Average total assets | $224,041,250 | 2,858 |
| Average earning assets | $188,123,000 | 3,069 |
| Average equity | $18,822,000 | 3,344 |
| Average total loans | $155,634,500 | 2,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 4,179 |
| Cost of funding earning assets | 2.3403% | 297 |
| Net interest margin | 2.8129% | 7,126 |
| Noninterest income to average assets | 0.4038% | 4,886 |
| Noninterest expense to average assets | 2.5245% | 5,630 |
| Loan and lease loss provision to assets | 1.3053% | 1,051 |
| Net operating income to assets | -0.6719% | 6,788 |
| Return on assets (ROA) | -0.5404% | 6,717 |
| Pretax return on assets | -0.8232% | 6,796 |
| Return on Equity (ROE) | -6.2925% | 6,785 |
| Retained earnings to average equity (ytd only) | -6.2925% | 6,676 |
| Net charge-offs to loans | 1.3811% | 1,379 |
| Credit loss provision to net charge-offs | 135.6239% | 2,953 |
| Earnings coverage of net charge-offs (x) | 0.2939% | 5,435 |
| Efficiency ratio | 89.9256% | 1,338 |
| Assets per employee ($millions) | 5.0647% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3208% | 631 |
| Loan loss allowance to noncurrent loans | 40.8950% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 10.2408% | 388 |
| Noncurrent loans to loans | 8.1203% | 634 |
| Net loans and leases to total assets | 67.4509% | 3,509 |
| Net loans and leases to deposits | 74.1467% | 4,654 |
| Net loans and leases to core deposits | 114.1418% | 916 |
| Total domestic deposits to total assets | 90.9695% | 493 |
| Equity capital to assets | 8.7886% | 5,770 |
| Core capital (leverage) ratio | 8.5443% | 5,339 |
| Tier 1 risk-based capital ratio | 11.7382% | 5,554 |
| Total risk-based capital ratio | 13.0046% | 5,501 |
| Memoranda: | ||
| Average total assets | $229,830,670 | 2,817 |
| Average earning assets | $196,384,330 | 2,994 |
| Average equity | $19,737,670 | 3,206 |
| Average total loans | $160,159,670 | 2,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 4,266 |
| Cost of funding earning assets | 2.3712% | 335 |
| Net interest margin | 2.7853% | 7,197 |
| Noninterest income to average assets | 0.4097% | 4,821 |
| Noninterest expense to average assets | 2.4875% | 5,777 |
| Loan and lease loss provision to assets | 1.2858% | 943 |
| Net operating income to assets | -0.6223% | 6,916 |
| Return on assets (ROA) | -0.6223% | 6,944 |
| Pretax return on assets | -0.9652% | 7,035 |
| Return on Equity (ROE) | -7.3282% | 7,019 |
| Retained earnings to average equity (ytd only) | -7.3282% | 6,771 |
| Net charge-offs to loans | 1.4498% | 1,194 |
| Credit loss provision to net charge-offs | 127.3345% | 2,771 |
| Earnings coverage of net charge-offs (x) | 0.3175% | 4,758 |
| Efficiency ratio | 88.5836% | 1,535 |
| Assets per employee ($millions) | 5.2378% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0928% | 761 |
| Loan loss allowance to noncurrent loans | 45.4378% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 8.7953% | 519 |
| Noncurrent loans to loans | 6.8066% | 889 |
| Net loans and leases to total assets | 67.0274% | 3,626 |
| Net loans and leases to deposits | 73.5661% | 4,813 |
| Net loans and leases to core deposits | 93.6791% | 2,881 |
| Total domestic deposits to total assets | 91.1118% | 498 |
| Equity capital to assets | 8.6413% | 5,816 |
| Core capital (leverage) ratio | 8.0526% | 6,159 |
| Tier 1 risk-based capital ratio | 11.6499% | 5,529 |
| Total risk-based capital ratio | 12.9218% | 5,469 |
| Memoranda: | ||
| Average total assets | $233,323,500 | 2,834 |
| Average earning assets | $200,913,000 | 2,982 |
| Average equity | $19,814,000 | 3,220 |
| Average total loans | $162,502,500 | 2,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5495% | 3,878 |
| Cost of funding earning assets | 2.6031% | 770 |
| Net interest margin | 2.9464% | 6,766 |
| Noninterest income to average assets | 0.2200% | 6,540 |
| Noninterest expense to average assets | 2.4317% | 6,367 |
| Loan and lease loss provision to assets | 2.2745% | 902 |
| Net operating income to assets | -1.3731% | 6,803 |
| Return on assets (ROA) | -1.6253% | 6,926 |
| Pretax return on assets | -2.2456% | 7,039 |
| Return on Equity (ROE) | -18.3133% | 7,090 |
| Retained earnings to average equity (ytd only) | -18.3133% | 7,046 |
| Net charge-offs to loans | 2.1204% | 1,143 |
| Credit loss provision to net charge-offs | 145.1570% | 3,276 |
| Earnings coverage of net charge-offs (x) | 0.2420% | 5,882 |
| Efficiency ratio | 86.5088% | 2,054 |
| Assets per employee ($millions) | 5.1344% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 858 |
| Loan loss allowance to noncurrent loans | 46.7549% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 8.4612% | 503 |
| Noncurrent loans to loans | 6.1594% | 1,012 |
| Net loans and leases to total assets | 68.0963% | 3,686 |
| Net loans and leases to deposits | 79.0399% | 4,165 |
| Net loans and leases to core deposits | 160.5943% | 337 |
| Total domestic deposits to total assets | 86.1544% | 2,929 |
| Equity capital to assets | 8.3465% | 6,129 |
| Core capital (leverage) ratio | 8.1412% | 5,927 |
| Tier 1 risk-based capital ratio | 11.1029% | 5,830 |
| Total risk-based capital ratio | 12.3717% | 5,756 |
| Memoranda: | ||
| Average total assets | $241,807,000 | 2,702 |
| Average earning assets | $212,632,600 | 2,802 |
| Average equity | $21,459,800 | 3,018 |
| Average total loans | $178,689,400 | 2,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 4,076 |
| Cost of funding earning assets | 2.6734% | 857 |
| Net interest margin | 2.8899% | 6,879 |
| Noninterest income to average assets | 0.4835% | 4,635 |
| Noninterest expense to average assets | 2.3841% | 6,465 |
| Loan and lease loss provision to assets | 1.3705% | 1,404 |
| Net operating income to assets | -0.6187% | 6,536 |
| Return on assets (ROA) | -1.0180% | 6,860 |
| Pretax return on assets | -1.1825% | 6,805 |
| Return on Equity (ROE) | -11.3075% | 6,976 |
| Retained earnings to average equity (ytd only) | -11.3075% | 6,902 |
| Net charge-offs to loans | 1.4398% | 1,435 |
| Credit loss provision to net charge-offs | 127.2265% | 3,950 |
| Earnings coverage of net charge-offs (x) | 0.6056% | 5,427 |
| Efficiency ratio | 78.5160% | 3,078 |
| Assets per employee ($millions) | 5.2015% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0957% | 1,604 |
| Loan loss allowance to noncurrent loans | 45.1836% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 7.3420% | 626 |
| Noncurrent loans to loans | 4.6382% | 1,489 |
| Net loans and leases to total assets | 70.1534% | 3,471 |
| Net loans and leases to deposits | 82.1308% | 3,997 |
| Net loans and leases to core deposits | 115.8085% | 2,648 |
| Total domestic deposits to total assets | 85.4167% | 3,017 |
| Equity capital to assets | 8.9824% | 5,505 |
| Core capital (leverage) ratio | 8.8921% | 4,823 |
| Tier 1 risk-based capital ratio | 11.8341% | 5,123 |
| Total risk-based capital ratio | 13.0889% | 5,056 |
| Memoranda: | ||
| Average total assets | $243,213,000 | 2,697 |
| Average earning assets | $214,854,500 | 2,789 |
| Average equity | $21,896,500 | 2,986 |
| Average total loans | $181,961,500 | 2,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 4,600 |
| Cost of funding earning assets | 2.7737% | 850 |
| Net interest margin | 2.7312% | 7,135 |
| Noninterest income to average assets | 0.5177% | 4,289 |
| Noninterest expense to average assets | 2.3228% | 6,696 |
| Loan and lease loss provision to assets | 0.7361% | 2,224 |
| Net operating income to assets | -0.1071% | 6,025 |
| Return on assets (ROA) | 0.0286% | 5,845 |
| Pretax return on assets | 0.0123% | 5,839 |
| Return on Equity (ROE) | 0.3177% | 5,836 |
| Retained earnings to average equity (ytd only) | 0.3177% | 5,091 |
| Net charge-offs to loans | 0.8562% | 1,977 |
| Credit loss provision to net charge-offs | 113.3501% | 4,089 |
| Earnings coverage of net charge-offs (x) | 0.9433% | 4,823 |
| Efficiency ratio | 79.1307% | 3,171 |
| Assets per employee ($millions) | 5.4163% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 2,142 |
| Loan loss allowance to noncurrent loans | 39.2605% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 5.9607% | 816 |
| Noncurrent loans to loans | 4.4938% | 1,430 |
| Net loans and leases to total assets | 70.7084% | 3,533 |
| Net loans and leases to deposits | 83.4458% | 3,971 |
| Net loans and leases to core deposits | 177.5460% | 245 |
| Total domestic deposits to total assets | 84.7357% | 3,387 |
| Equity capital to assets | 9.2800% | 4,908 |
| Core capital (leverage) ratio | 9.0284% | 4,583 |
| Tier 1 risk-based capital ratio | 12.2535% | 4,717 |
| Total risk-based capital ratio | 13.5080% | 4,629 |
| Memoranda: | ||
| Average total assets | $244,528,330 | 2,705 |
| Average earning assets | $216,460,670 | 2,793 |
| Average equity | $22,031,330 | 2,967 |
| Average total loans | $185,466,330 | 2,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 5,316 |
| Cost of funding earning assets | 2.8170% | 942 |
| Net interest margin | 2.6035% | 7,363 |
| Noninterest income to average assets | 0.5301% | 4,058 |
| Noninterest expense to average assets | 2.2162% | 6,823 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4195% | 4,781 |
| Return on assets (ROA) | 0.4195% | 4,954 |
| Pretax return on assets | 0.6507% | 4,588 |
| Return on Equity (ROE) | 4.7286% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.7286% | 3,280 |
| Net charge-offs to loans | 0.4434% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.8852% | 3,777 |
| Efficiency ratio | 77.3041% | 3,283 |
| Assets per employee ($millions) | 5.7070% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 2,874 |
| Loan loss allowance to noncurrent loans | 26.7487% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 6.0627% | 650 |
| Noncurrent loans to loans | 5.6757% | 877 |
| Net loans and leases to total assets | 73.5978% | 2,869 |
| Net loans and leases to deposits | 87.3451% | 3,411 |
| Net loans and leases to core deposits | 192.2421% | 169 |
| Total domestic deposits to total assets | 84.2610% | 3,578 |
| Equity capital to assets | 9.2446% | 5,019 |
| Core capital (leverage) ratio | 9.5305% | 3,946 |
| Tier 1 risk-based capital ratio | 11.7558% | 5,164 |
| Total risk-based capital ratio | 13.0081% | 5,082 |
| Memoranda: | ||
| Average total assets | $242,217,500 | 2,745 |
| Average earning assets | $217,398,000 | 2,790 |
| Average equity | $21,486,500 | 3,043 |
| Average total loans | $188,532,500 | 2,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8827% | 6,123 |
| Cost of funding earning assets | 3.1993% | 1,196 |
| Net interest margin | 2.6834% | 7,528 |
| Noninterest income to average assets | 0.5154% | 4,507 |
| Noninterest expense to average assets | 2.1159% | 7,199 |
| Loan and lease loss provision to assets | 1.3443% | 1,054 |
| Net operating income to assets | -0.2581% | 6,691 |
| Return on assets (ROA) | -0.2581% | 6,536 |
| Pretax return on assets | -0.4533% | 6,612 |
| Return on Equity (ROE) | -3.7520% | 6,712 |
| Retained earnings to average equity (ytd only) | -3.7520% | 6,274 |
| Net charge-offs to loans | 1.3893% | 848 |
| Credit loss provision to net charge-offs | 136.8970% | 3,892 |
| Earnings coverage of net charge-offs (x) | 0.9074% | 5,681 |
| Efficiency ratio | 70.3680% | 4,275 |
| Assets per employee ($millions) | 4.9644% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 2,181 |
| Loan loss allowance to noncurrent loans | 48.9437% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 3.9661% | 1,045 |
| Noncurrent loans to loans | 3.2987% | 1,573 |
| Net loans and leases to total assets | 79.8656% | 1,694 |
| Net loans and leases to deposits | 94.3458% | 2,704 |
| Net loans and leases to core deposits | 207.8223% | 147 |
| Total domestic deposits to total assets | 84.6520% | 3,004 |
| Equity capital to assets | 8.4684% | 6,144 |
| Core capital (leverage) ratio | 8.4770% | 5,610 |
| Tier 1 risk-based capital ratio | 10.2460% | 6,472 |
| Total risk-based capital ratio | 11.5050% | 6,333 |
| Memoranda: | ||
| Average total assets | $263,856,800 | 2,428 |
| Average earning assets | $244,988,200 | 2,410 |
| Average equity | $18,150,400 | 3,537 |
| Average total loans | $186,502,200 | 2,436 |